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Why do you need to check your emergency room bills carefully?

ANSWER

You should be charged in-network rates for most of the care you get at the ER. During your stay, though, you might be treated by someone outside your network. This could be the ER doctor, a technician, or a specialist. Those providers can bill you directly for the difference between what they charge and what your health plan pays. Most plans will cover all ER fees when you're treated for a true emergency. But you may have to submit them yourself to your insurance company.

SOURCES:

Nationwide Children's Hospital: "ED vs. Urgent Care."

Palo Alto Medical Foundation: “When Should Urgent Care Services Be Used?”

Nemours Foundation: "Going to the Emergency Room."

Families USA: "The Patients' Bill of Rights."

Academic Emergency Medicine: "Rising Annual Costs of Dizziness Presentations to U.S. Emergency Departments."

FAIR Health: "Out-of-Network Docs at In-Network Hospitals."

Reviewed by Amita Shroff on July 16, 2018

SOURCES:

Nationwide Children's Hospital: "ED vs. Urgent Care."

Palo Alto Medical Foundation: “When Should Urgent Care Services Be Used?”

Nemours Foundation: "Going to the Emergency Room."

Families USA: "The Patients' Bill of Rights."

Academic Emergency Medicine: "Rising Annual Costs of Dizziness Presentations to U.S. Emergency Departments."

FAIR Health: "Out-of-Network Docs at In-Network Hospitals."

Reviewed by Amita Shroff on July 16, 2018

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What is the summary of your health insurance benefits and coverage?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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